Bread Financial Reviews

These scumbag thieves closed my account because of disputes between them and Floor and Decor, I had a delay in my monthly payment for a few hours,, hours not days,, and these scammers charged me $41, when I called these miserable liars to see if I can recover this money, I was answered by a crappy supervisor who told me that I am not eligible to give my late fees back because my account is closed, that is, closed by these scammers without notifying me. My advice is if you ever hear about Bread Financial or ** Bank Comenity, stay away, they are just scammers.

I have been making payments for years and now they losing my credit for no reason, I was three days late on my card and Bread Financial found out I was ** and that's when they lower my credit and had my savings for years without missing any payments, had accounts for 15 or more years.

Horrible customer service!!! They have frozen my account several times without reason or notice. It has been so embarrassing being out in public with friends or for a work event, and my card gets denied when it has thousands of dollars left in available balance. No fraudulent activity. No international transaction. Nowhere near my limit. Just paying for a lunch for clients and waiter/waitress returns to tell you that the card is declined.

They charged me $547.99 as fee for one month and, I always pay every single month my credit card with them. I called them, texted with them without any success. This bank is only care about taking money from us and nothing else, that's why I'm warning you not taking any card with this bank, you will deeply regret it. Don't ever deal with them.

Thanks Bread Financial, for closing my paid off account after I worked my ** off to pay my 10k credit card balance off through Alphaeon and then closing my account due to inactivity, which penalizes me now. I barely had a paid off card for a month to two when they abruptly closed my account. I was even looking for a dermatologic procedure to keep this card open before they so aggressively closed it—which seems to be a bit coercive or illegal. “You can only keep it open if you use it again on a medical procedure” they told me. I will never ever use this company again. They are predatory lenders.

Bread Financial Charged me $300.00 interest per month on a $1,200.00 purchase of a Retro Classic Refrigerator. This is horrible!!! Can they be investigated for unlawfully overcharging me too much interest on my purchase?

This company took over Comenity Bank and decided to close many of my credit cards, including the ones that were paid off. If this is how long term paying customers are treated, good riddance. I hope you go under like every other greedy company.

I recently had a displeasure of having an 18 month worth of interest charged to my account after I was 5 days late to pay off the balance. I always made payments on time and never missed a payment. I called and spoke with two different customer care agents and supervisor but they showed absolutely no flexibility to work with me! This company, formerly is Comenity Bank, is not going to win my return business!

Comenity is now doing this again to me; same as the card I had from them for Wayfair. Although ALL my payments are on time, for whatever reason they have decided to end their partnership with Wayfair and now Overstock. They will be closing my account, just like they did with Wayfair. When they did this to me with Mayfair, my credit score dropped over 50 points. How utterly irresponsible and negligent!!!! I imagine this falls on deaf ears, they just don't care. I am rushing to pay the card off now to beat that deadline and close the account myself and then using my own time (thanks a lot Comenity), I will contact each credit bureau. I will NEVER take a card from them again. They just don't care.

My AAA credit card was transferred to Bread (Comenity) without my knowledge. In the process, my automatic payment information was lost and my bills were not being paid. Eventually, my credit limit was exceeded and I was charged a $119 penalty. I immediately paid what I owed on the account and opened a dispute to recover the $119 penalty in November, 2022. I have called a dozen times since then (it is now June, 2023) and have been told that they are still reviewing the matter. It is difficult to get through the customer service system to talk to a supervisor but I have done this several times. All they can do is make a note on my dispute record that I called again.